The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
The Credit Information Center of China People's Bank is a public institution directly under the People's Bank of China. Its main task is to be responsible for the construction, operation and management of the enterprise and individual credit information system (also known as the enterprise and individual credit information basic database) according to the national laws and regulations and the regulations of the People's Bank of China.
major duty
1, responsible for drafting the overall development plan of enterprise and individual credit information system construction and organizing its implementation.
2, responsible for the development of enterprise and personal credit system operation and maintenance management system.
3, responsible for the development of enterprise and personal credit information system business technical standards.
4, responsible for the construction, operation and maintenance of enterprise and personal credit information system.
5. Responsible for organizing technical coordination with commercial banks and related parties, and collecting credit information of enterprises and individuals.
6, responsible for summarizing and analyzing the data information in the enterprise and personal credit information system, timely put forward the analysis report.
7. Responsible for providing corporate and personal credit information consulting services to commercial banks and related parties.
8, responsible for the organization of enterprises and individuals in the credit system in the operation of the dispute settlement.
9. Responsible for organizing the training of credit information of commercial banks and related parties.
10, responsible for the construction, operation and management of accounts receivable pledge registration publicity system.
1 1, responsible for the construction, operation and management of the financial lease registration and publicity system.
12. Other matters assigned by the leaders of the undertaking bank.
Construction background
With the deepening of economic marketization, it has become a social consensus to speed up the construction of credit information system for enterprises and individuals. The report of the 16th National Congress of the Communist Party of China clearly stated that it is necessary to "improve the social credit system of modern market economy",
The Third Plenary Session of the 16th CPC Central Committee clearly put forward that "the construction of enterprise and individual credit service system should be accelerated in the direction of improving laws and regulations, franchising, commercial operation and professional service."
The national financial work conference held in 2007 further proposed to comprehensively promote the construction of social credit system with the focus on the construction of credit information system. In order to further play the role of the People's Bank of China in the construction of social credit system, in 2008, the State Council adjusted the function of the People's Bank of China to "manage the credit reporting industry and promote the construction of social credit system".
According to the instructions of the CPC Central Committee and the State Council, the People's Bank of China has accelerated the construction of credit information system for enterprises and individuals. After several years' efforts, the national unified enterprise and individual credit information basic database led by the People's Bank of China has been initially established and has begun to play an active role in the economy and society.